1. If you are shopping in Hong Kong, you can take a debit card or credit card with the UnionPay logo and take the UnionPay channel when you go. The handling fee is very low and basically negligible. In Hong Kong, it is Hong Kong dollars, and it is very cost-effective to directly convert it into RMB according to the foreign exchange rate of the bank on that day.
2. If you spend money by credit card in Singapore, any credit card or debit card with UnionPay logo can be used. If you need to withdraw cash, it is recommended to apply for a debit card in hengfeng bank. At this stage, there is no handling fee for foreign inquiry and cash withdrawal. Any local ATM with UnionPay logo can be taken, but pay attention to the slow response of ATMs there. On the last day, I wanted to withdraw 100 yuan, but I was prompted to click Chinese or English after entering my password. The second time I clicked, there was no response. He went to the next screen and cashed the amount, and the result was exactly 1000 yuan.